Mr. Michael Horan:

It falls in under the integrated insurance data service. There are two modules to it; penalty points is one of them. What we have is a centralised hub. The data is actually with the national vehicle and driver file in the Department of Transport, Tourism and Sport. Through this hub, insurance companies can check at renewal whether somebody has penalty points. Non-disclosure is a problem in the motor insurance market. Not everybody declares they have penalty points when they have them. It means that insurance companies can see whether somebody has penalty points or not. That is the purpose of that.